KR20090063805A - Method and system for managing illegal finance deal information and unitedly carrying out verification and report preparation and registration for suspicion deal - Google Patents

Abstract

A method and a system for managing illegal financial deal information and integrally performing verification and report preparation and registration about suspicious deal are provided to unify a process of verifying suspicious deal of illegal financial deal and a process of preparing and registering a suspicious deal report through one system, thereby shortening a deal report time. A suspicious deal reporting integration server is accessed(S210). Suspicious deal is verified from a deal list(S220). Report target deal information about the suspicious deal is determined(S230). Report contents about the suspicious deal are determined(S240). A suspicious report including the report contents is registered(S250). Report information is transmitted to an FIU(Financial Intelligence Unit) server(S260). A manager of the FIU server investigates report information about the suspicious deal.

Description

Method and System for Managing Illegal Finance Deal Information and Unitedly Carrying Out Verification and Report Preparation and Registration for Suspicion Deal}

The present invention relates to a method and system for managing illegal financial transactions, and more particularly, based on the details of deposits and withdrawals of funds traded at financial institutions, to identify and suspect alleged transactions of illegal financial transactions, such as money laundering; Unification of registration into a single system enables the integrated and automatic input of data required for reporting, so that alleged transactions can be reported to the Compliance Office within the financial institution or the Financial Intelligence Unit (FIU) through the Compliance Monitor. To reduce the reporting time of alleged transactions to the Intelligence Analyst, and to increase the accessibility and ease of use of the preparation of alleged transaction reports, and to provide a comprehensive method and system for performing alleged transaction reporting without omission. will be.

Financial institutions should report to the FIU (Financial Intelligence Unit) the information on traders, suspicious reasons, and transaction details for transactions suspected of illegal financial transactions, such as money laundering, based on the details of deposits and withdrawals of the funds being traded. .

As shown in FIG. 1, a manager of a financial institution conventionally accesses an inspection information system connected to the Internet operated by a financial institution, checks suspected transactions such as high deposits and withdrawals by referring to transaction details of customers, and standardizes the relevant transactions. The FIU reporting system was accessed to prepare the report. The manager of the financial institution that created the report using the program distributed by the FIU reporting system, accesses a predetermined portal system operated by the financial institution, and registers a suspicious transaction report for the suspected transaction. The Compliance Office of the Financial Institution checks the registered reports and reports them to the FIU. As a result, a series of legal measures are taken for alleged transactions received by the FIU to prevent money laundering.

However, in the conventional suspicion transaction reporting method, there are difficulties in using various systems, and the use of the systems also has a very complicated problem. As a result, there is a problem that a large number of manpower should be invested in the report of the suspected transaction that is increasing in recent years, and many cases are subject to disciplinary actions by the Financial Supervisory Service due to the missing report. Therefore, there is a need for a method for financial institution managers to faithfully report suspicious transactions without omissions through a simple and unified system.

Accordingly, the present invention has been made to solve the above-described problems, and an object of the present invention is to report a transaction suspected of illegal financial transactions, such as money laundering to a compliance monitoring unit in a financial institution, or to the FIU through the compliance monitoring unit. In order to shorten the reporting time of transactions, alleged transaction reporting is integrated into a single system for identification of suspicious transactions and the creation and registration of suspicious transaction reports. To provide an integrated method and system for

Another object of the present invention is to provide an integrated method and system for performing suspicious transaction reporting, which can increase the accessibility and ease of use of suspicious transaction report generation so that all suspicious transactions can be faithfully reported without omission. There is.

First, summarizing the features of the present invention, an integrated method of performing a suspicious transaction report according to an aspect of the present invention for achieving the object of the present invention as described above, confirming the suspicious transaction from the list of transactions through a financial institution step; Determining reportable transaction information and report content of the suspected transaction; And registering the suspected transaction report including the report content with respect to the report target transaction information.

The integrated method of performing the suspicious transaction report may be achieved through one unified application.

The determining may include automatically inputting at least one or more of reportee information, transaction type, and account information to which CIF information of a financial institution is referred to as the reportable transaction information, wherein the reportee information is referred to as the report content. At least one or more of the trader information, the reason for the charge, and the comprehensive opinion may be automatically entered or selected.

After the step of registering, the suspected transaction report to be registered in the database to extract the statistical data by period, branch, or transaction amount incorporating each branch of the financial institution, and the inquiry service of the statistical data through the terminal of each branch It may further comprise the step of providing.

After the step of registering, reporting the registered suspicious transaction report to the compliance monitoring unit of a financial institution, and transmitting the report information including the suspected transaction report to the FIU server through the compliance monitoring unit.

And, the suspicious transaction report integration system according to another aspect of the present invention, a transaction history collecting unit for collecting a list of transactions through a financial institution, and provides a list of transactions in response to a request from the user terminal; A report target determination unit that determines report target transaction information for the suspect transaction when a suspect transaction is selected from the transaction list from the user terminal; And a report content determiner configured to determine a report content for the suspect transaction, wherein the report content determiner registers the suspect transaction report including the report content with respect to the report target transaction information according to a registration request from the user terminal. It is characterized by.

The report subject determining unit automatically inputs at least one or more of report subject information, transaction type, and account information to which CIF information of a financial institution is referred as the report target transaction information, and the report content determining unit is the report subject as the report contents. At least one or more of the trader information, the reason for the charge, and the comprehensive opinion to which the information is referred to are automatically inputted or selected.

The alleged transaction reporting integrated system includes a reporting unit for reporting the registered alleged transaction report to a compliance monitoring unit of a financial institution; And a transmission unit configured to transmit report information including the suspect transaction report to the FIU server after checking the suspect transaction report of the compliance monitoring unit.

The suspicious transaction report integration system collects the suspicious transaction report registered in a database, extracts statistical data for each period, branch, or transaction amount incorporating each branch of a financial institution, and extracts the statistical data through a terminal of each branch. It may further include a statistics unit for providing an inquiry service.

According to the integrated method and system for reporting suspicious transactions according to the present invention, the identification of transactions suspected of illegal financial transactions such as money laundering and the creation and registration of suspicious transaction reports are unified and performed in a single system. By allowing the necessary data to be automatically entered, reporting of suspected transactions to the Compliance Officer within a financial institution or reporting of the suspected transactions to the FIU through the Compliance Officer can be shortened.

In addition, according to the integrated method and system for performing a suspicious transaction report according to the present invention, by increasing the accessibility and ease of use of the suspicious transaction report, all suspicious transactions are faithfully reported without omission, from a reputation of a financial institution, a financial supervisor, etc. Risks from penalties can be prevented in advance.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings and the contents described in the accompanying drawings, but the present invention is not limited or limited to the embodiments. Like reference numerals in the drawings denote like elements.

2 is a flowchart illustrating an integrated method of performing a suspicious transaction report according to an embodiment of the present invention.

First, a user such as an administrator or compliance officer responsible for reporting a suspicious transaction of a financial institution is provided with a predetermined server equipped with an application for integrally performing suspicious transaction reporting according to an embodiment of the present invention through a user terminal, for example. , The suspicious transaction report integration server can be accessed (S210).

In the present invention, the screen for confirming the suspect transaction from the transaction list as shown in Figure 3, through a single unified application running on the suspected transaction report integration server, the target of the terminal for reporting the suspect transaction report as shown in Figure 4 A transaction screen, a screen for searching a report target of a terminal as shown in FIG. 5, and a description input screen of a terminal for generating a suspected transaction report as shown in FIG. 6 may be provided. Through this, all processes necessary for reporting suspicious transactions can be integrated.

The user may check the suspected transaction from the list for the transaction through the financial institution provided as shown in FIG. 3 (S220). The application may collect and provide a list of deposits and withdrawals related to customers traded through a financial institution, for example, Kookmin Bank, and the user suspects a target transaction that withdraws or withdraws a large amount, for example, more than 50 million won from the list of transactions. On the other hand, the alleged transaction can be confirmed. When confirming with the suspect transaction on the screen as shown in FIG. 3, the suspect transaction confirmation state may be changed from unregistered to registered.

In order to report a transaction suspected of a suspicious transaction in this process, the user may click a certain tag, for example, a 'report suspicious transaction' tag on the screen of FIG. 3.

Accordingly, in the report target transaction screen of the user terminal for generating the suspect transaction report as shown in FIG. 4, the report target transaction information for the suspect transaction may be determined (S230). The reporting registration number, registration date, and progress status of the alleged transaction can be automatically generated according to the current progress, and the CIF (Customer Information File) information of the financial institution is referred to as the transaction target information of the alleged transaction. If the information on the person to be reported, transaction type (normal bank account payment, ordinary bank book payment, etc.), and account information are automatically entered and displayed on the screen, the user should check the report transaction information and then confirm that all information is suitable for the report. If it is determined, it is decided as information to be used for reporting.

CIF information about the names, contact information, account information, and direct debit service information of the trading customers is managed in a predetermined database of the financial institution, and the report target information on the suspected transaction is extracted with reference to the suspected transaction report as shown in FIG. 4. It can be automatically entered into the report target transaction screen for creation.

In addition, based on the account information or real name number (resident registration number, business registration number, corporate registration number, etc.) for the suspect transaction, it is also possible to additionally search and add the transaction information to be reported as shown in FIG. For a transaction corresponding to the transaction information, the suspect transaction confirmation status may be automatically changed from unregistered to registered on the screen as shown in FIG. 3. Through the screen for searching the report target of the user terminal as shown in FIG. 5, the report target information based on the CIF information can be checked in detail, and the account information, transaction type (normal bank book payment, ordinary bank book payment, etc.), transaction date and time, currency Information required for reporting, such as the type, transaction amount, sales office, real name number (resident registration number, business registration number, corporation registration number, etc.) may be automatically input to the report target transaction screen as shown in FIG.

In addition, in the description input screen of the user terminal for generating the suspect transaction report as shown in FIG. 6, the report content of the suspect transaction may be determined (S240). As the report content, the trader information referred to by the report target information can be automatically input, and the reason for suspicion and comprehensive opinion can be selected and automatically input by the user.

For example, as shown in FIG. 6, as the trader information, the name of the trader, the date of the transaction, the place where the transaction occurred (handling branch), and the financial transaction means (replacement of the deposit and withdrawal deposit, transfer, withdrawal / withdrawal, withdrawal, withdrawal, etc.) ) May be automatically entered. In addition, as a reason for the charge, a financial transaction method, such as a large cash advance withdrawal, a large alternative transaction, or a high-electronic financial transaction, which is prepared in advance as a representative type, may be selected and automatically entered by a user, or a remote transaction which is prepared in advance as a representative type, The reason determined as the alleged transaction, such as the failure to provide a reasonable answer to the transaction (such as the source of the fund and the purpose of the transaction), may be selected by the user and automatically entered. And, as shown in Figure 6, when the financial transaction method such as high-value electronic financial transaction is selected as a comprehensive opinion (eg, description of the new opening date of the account, repeated transfer of the large amount received transfer to a third party) In fact, it is easy and convenient to prepare a report by automatically inputting a large amount of money transfer etc. in a different transaction pattern.

On the other hand, after confirming the suspicious transaction through one application as described above, and determining the report target transaction information and the report content for the suspicious transaction, the user clicks a predetermined tag, for example, a 'report registration' tag, as described above. With respect to the determined report target transaction information, the suspicious transaction report including the report content may be registered (S250).

Suspicious transaction reports registered in this way may be collected in a database, which is a period (compared to the total amount of reports (daily, weekly, monthly, year, etc., total amount of suspicious transactions, etc.) that consolidates the branches (handling branches) of the financial institutions. , By branch (total amount of report including sales office, city, etc.), or by amount of transaction (total amount of alleged transactions within 100 million, 100 million, 200 million and 300 million, etc.) Comparison of the transaction amount, etc.) Statistical data may be extracted and used to provide an inquiry service of the corresponding statistical data through the terminal of each point (S251).

When a suspicious transaction report is registered in this manner, the registered suspicious transaction report is reported to the compliance department of the financial institution. Accordingly, the compliance monitoring unit may check the suspicious transaction report and transmit the report information including the necessary transaction details to the FIU server (S260). The manager of the FIU server will examine the reporting information on the suspected transaction received and take legal measures necessary for the trader or financial institution (S270).

As described above, the present invention unifies the identification of transactions suspected of illegal financial transactions, such as money laundering, and the creation and registration of suspicious transaction reports into a single system, integratingly performing the data required for reporting, and automatically Reporting of alleged transactions to the Compliance Department within the Agency or reporting of alleged transactions to the FIU via the Compliance Department may be shortened. According to the present invention, the accessibility and ease of use of preparing a suspicious transaction report are increased, so that a manager of a financial institution can faithfully report all suspect transactions without omission, and accordingly, a penalty from the reputation of the financial institution or the Financial Supervisory Service. Risks from measures can be prevented in advance.

An example of a block diagram for implementing the alleged transaction reporting integrated system 700 according to an embodiment of the present invention as shown above is shown in FIG. 7. Referring to FIG. 7, the alleged transaction report integrated system 700 according to an embodiment of the present invention operates in a communication network 710, a financial institution terminal 720, a FIU server 730 of a financial information analyst, and a financial institution. The transaction reporting integration server 740 may include.

The communication network 710 may be a wired or wireless internet, or may be a core network integrated with a wired public network, a wireless mobile communication network, or a portable internet. The suspicious transaction report integration server 740, which is a server of a financial institution that supports identification and report writing and registration of a suspicious transaction of illegal financial transactions such as money laundering online through such a communication network 710, In addition, through the communication network 710, the financial institution terminal 720 of each handling branch supports to confirm the suspect transaction for the preparation of the suspect transaction report, and the report target transaction information and report contents of the suspect transaction are automatically inputted. Once determined, the suspicious transaction report including the report content may be registered with respect to the report target transaction information and processed to be reported to the compliance department or the FIU server 730 of the financial institution.

Here, the financial institution terminal 720 is generally a computer such as a desktop PC, a notebook PC, but is not limited thereto, and accesses the suspected transaction report integration server 740 through a communication network 710 to provide an interactive security brokerage support service. There may be all kinds of wired and wireless communication devices available. For example, the financial institution terminal 720 may be a cellular phone, a PCS phone (Personal Communications Services phone), a synchronous / asynchronous IMT-2000 (International Mobile Telecommunication) communication through a wireless Internet or a portable Internet. In addition to the mobile terminal, such as a Palm Personal Computer (PDA), Personal Digital Assistant (PDA), Smart Phone (WAP phone: Wireless application protocol phone), Mobile game machine (mobile play-station), etc. may comprehensively mean all wired and wireless home appliances / communication devices having a user interface for connecting to the suspected transaction report integration server 740.

8 is an example of a block diagram for implementing a suspicious transaction report integration server 740 according to an embodiment of the present invention. Referring to FIG. 8, the suspicious transaction report integration server 740 according to an embodiment of the present invention may include a controller 810, a database 811, a user interface 820, a transaction history collector 830, and a report target decision. The unit 840 includes a report content determiner 850, a report unit 860, a transmitter 870, and a statistics unit 880. The suspect transaction report integration server 740 performs the processing of identification and report generation and registration of the overall suspect transaction described in FIG. 1, which may be implemented in software, hardware or a combination thereof.

The controller 810 basically corresponds to a processor that controls input / output of information through the user interface 820 and performs overall control of each component of the suspect transaction report integration server 740. In particular, the control unit 810 controls to check the suspect transaction from the list of the transaction through the financial institution, determine the report target transaction information and report content for the suspect transaction, and the corresponding transaction target transaction information It is possible to control the registration of the suspicious transaction report including the report contents.

The user interface 820 includes a display means such as an LCD (Liquid Crystal Display) or a data input means such as a keyboard, and also includes all of the applications for driving them, and all financial institution terminals 720 or the like through the communication network 710. The FIU server 730 includes all means such as signal conversion means and communication means necessary for processing the input and output of the necessary information to suit the user environment.

The transaction history collecting unit 830 may collect a list of transactions through a financial institution, and provide a transaction list as shown in FIG. 3 in response to a request for provision from the financial institution terminal 720. Through the financial institution terminal 720, the user can confirm the suspected transaction from the list of transactions through the financial institution provided as shown in FIG. 3, and withdraws or withdraws a large amount, for example, more than 50 million won from the customer's deposit and withdrawal related list. Suspect a target transaction and identify it as a suspicious transaction. The transaction history collecting unit 830 may change the suspect transaction confirmation state from unregistered to registered when confirming with the suspect transaction on the screen as shown in FIG. 3.

In order to report a transaction suspected of a suspicious transaction in this process, when a user clicks a certain tag, for example, a 'suspicious transaction report' tag on the screen of FIG. 840 may determine the report target transaction information for the selected suspect transaction through the report target transaction screen of the terminal 720 for generating the suspect transaction report as shown in FIG. 4. The report target determination unit 840 may automatically generate a report registration number, a registration date, and a progress status of the suspected transaction in accordance with the current progress. Customer Information File) The information about the reporter referred to by the information, the transaction type (normal bankbook payment, ordinary bankbook payment, etc.), and account information are automatically entered and displayed on the screen. After all the information is determined to be suitable as the object to be reported, it can be determined as the information to be used for the report.

CIF information about the names, contact information, account information, and direct debit service information of the trading customers is managed in a predetermined database of the financial institution, and the report target determination unit 840 refers to this to extract report target information on the suspected transaction. It can be automatically entered into the report target transaction screen for the suspect transaction report as shown in FIG.

In addition, the report target determination unit 840 may add the report target transaction information by additionally searching as shown in FIG. 5 based on the account information or the real name number (resident registration number, business registration number, corporation registration number, etc.) for the suspect transaction. In this case, for the transaction corresponding to the added report target transaction information, the suspect transaction confirmation status may be automatically changed from unregistered to registered on the screen as shown in FIG. 3. As shown in FIG. 5, through the screen for searching for the report target of the terminal 720 provided by the report target determiner 840, the report target information based on the CIF information may be checked in detail, and the account information and the transaction type (normal bank account). Information required for reporting such as payment, ordinary distribution book payment, etc., transaction date and time, currency type, transaction amount, sales office, real name number (resident registration number, business registration number, corporation registration number, etc.) is determined by the reporting target determination unit 840. The report target transaction screen as shown in FIG. 4 may be automatically input.

The report content determiner 850 may determine the report content of the alleged transaction. The report content determiner 850 may automatically input the trader information referenced by the report subject information as a report content through a narration input screen for preparing a suspected transaction report provided to the terminal 720 as shown in FIG. 6. In addition, the reason for the charge and the general opinion may be selected and automatically input by the user.

For example, as shown in FIG. 6, as the trader information, the name of the trader, the date of the transaction, the place where the transaction occurred (handling branch), and the financial transaction means (replacement of the deposit and withdrawal deposit, transfer, withdrawal / withdrawal, withdrawal, withdrawal, etc.) ) May be automatically entered. In addition, as a reason for the charge, a financial transaction method, such as a large cash advance withdrawal, a large alternative transaction, or a large electronic cash transaction, which is prepared in advance as a representative type, may be selected and automatically entered by a user, or a remote transaction prepared in advance as a representative type, The reason determined as the alleged transaction, such as the failure to provide a reasonable answer to the transaction (such as the source of the fund and the purpose of the transaction), may be selected by the user and automatically entered. And, as shown in Figure 6, when the financial transaction method such as high-value electronic financial transaction is selected as a comprehensive opinion (eg, description of the new opening date of the account, repeated transfer of the large amount received transfer to a third party) In fact, it is possible to make the report easy and convenient by automatically inputting a large amount of money, etc. in different transaction patterns.

On the other hand, when the suspected transaction is confirmed as described above, when the report target transaction information and report content for the suspected transaction is determined, the user can click a predetermined tag, for example, a 'report registration' tag through the terminal 720. In response to the registration request from the terminal 720, the report content determination unit 850 may register a corresponding suspicious transaction report including the report content with respect to the report target transaction information.

The statistics unit 880 collects the suspicious transaction reports thus registered in the database 811 and integrates each branch (handling branch) of the financial institution based on the collected information (daily, weekly, monthly, year). Total report volume by volume, total amount of suspicious transactions, etc.), by branch (total volume of report including branches, cities, etc.) , A total report amount, total amount of suspected transaction amount, etc. for 200 to 300 million) can be extracted, and the inquiry service of the corresponding statistical data may be provided through the terminal 720 of each branch.

As such, when the suspicious transaction report is registered and collected in the database 811, the reporting unit 860 may report the registered suspicious transaction report to the compliance monitoring unit of the financial institution. Accordingly, when the compliance monitoring unit checks the suspicious transaction report and generates report information including additional necessary transaction details, the transmission unit 870 may transmit the report information to the FIU server 730. The manager of the FIU server 730 examines the reporting information on the suspected transaction received and takes legal measures necessary for the trader or financial institution.

The functions used in the methods and systems disclosed herein may be embodied as computer readable code on a computer readable recording medium. The computer-readable recording medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, hard disk, removable storage, and also carrier wave (for example, transmission over the Internet). It also includes the implementation in the form of. The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

As described above, the present invention has been described by way of limited embodiments and drawings, but the present invention is not limited to the above embodiments, and those skilled in the art to which the present invention pertains various modifications and variations from such descriptions. This is possible. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined not only by the claims below but also by the equivalents of the claims.

1 is a diagram illustrating a conventional suspected transaction reporting method.

2 is a flowchart illustrating an integrated method of performing a suspicious transaction report according to an embodiment of the present invention.

3 is an example of a terminal screen for explaining a process of confirming a suspicious transaction from a transaction list according to an embodiment of the present invention.

4 is an example of a report target transaction screen of the terminal for creating a suspicious transaction report according to an embodiment of the present invention.

5 is an example of a screen for searching for a report target of a terminal according to an embodiment of the present invention.

6 is an example of a description input screen of a terminal for creating a suspicious transaction report according to an embodiment of the present invention.

7 is an example of a block diagram for implementing a suspicious transaction report integration system according to an embodiment of the present invention.

8 is an example of a block diagram for implementing a suspicious transaction report integration server according to an embodiment of the present invention.

Claims (10)

Identifying the suspected transaction from the list of transactions through the financial institution; Determining reportable transaction information and report content of the suspected transaction; And Registering a suspicious transaction report including the report contents with respect to the report target transaction information; Integrated performance of the alleged transaction reporting comprising a. The method of claim 1, wherein the integrated transaction reporting method is performed through one unified application. The method of claim 1, wherein the determining step, Automatically input at least one or more of the reportee information, the transaction type, and the account information to which the CIF information of the financial institution is referred as the report transaction information, And at least one or more of the trader information, the reason for the charge, and the comprehensive opinion to which the report target information is referred as the report content. The method of claim 1, wherein after the registering step: Collecting suspect transaction reports registered in a database, extracting statistical data for each period, branch, or transaction amount incorporating each branch of a financial institution, and providing an inquiry service of the statistical data through a terminal of each branch. Integrated method of performing the alleged transaction report, characterized in that it further comprises. The method of claim 1, wherein after the registering step: Reporting the registered suspect transaction report to a compliance monitoring unit of a financial institution, and transmitting report information including the suspect transaction report to the FIU server through the compliance monitoring unit; Integrated method of performing the alleged transaction report, characterized in that it further comprises. A recording medium having recorded thereon a computer readable program for performing the method of any one of claims 1 to 5. A transaction history collecting unit for collecting a list of transactions through a financial institution and providing a list of transactions in response to a request from a user terminal; A report target determination unit that determines report target transaction information for the suspect transaction when a suspect transaction is selected from the transaction list from the user terminal; And Report Content Determination Unit, which determines the report content for the alleged transaction Including, And the report content determining unit registers a suspicious transaction report including the report content with respect to the report target transaction information according to a registration request from the user terminal. The method of claim 7, wherein The report target determination unit automatically inputs at least one or more of the report target information, transaction type, and account information to which the CIF information of the financial institution is referred as the report target transaction information, And the report content determination unit automatically inputs or selects at least one or more of the trader information, the reason for the charge, and the comprehensive opinion to which the report target information is referred to as the report content. The method of claim 7, wherein A reporting unit for reporting the registered alleged transaction report to a compliance monitoring unit of a financial institution; And The transmission unit for transmitting the report information including the suspect transaction report to the FIU server after confirming the suspicious transaction report of the compliance monitoring unit Alleged transaction reporting integrated system further comprises a. The method of claim 7, wherein Statistics department that collects suspicious transaction reports registered in a database, extracts statistical data for each period, branch, or transaction amount incorporating each branch of a financial institution, and provides an inquiry service of the statistical data through terminals of each branch Alleged transaction reporting integrated system further comprises a.

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